For example, if you don’t have at least $1,000 in an emergency fund, deposit cash to cover that before you apply a large amount to your personal loan balance. 3. Get a second job ...

For example, your lender is ... you may need to complete an online form or send a letter or email with supporting information. Quick tip: ... Alternatives to a deferment on your personal loan.

After all, the high-rate environment has increased the cost of nearly every borrowing option — and while the average rate on a personal loan (about 12.4%) isn't ideal, it's certainly more ...